This subprime lending was more than a minor relaxation of existing credit guidelines.

次级按揭贷款并非仅是对现存信用标准的稍许放宽。

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Phasing in the targets over time makes sense if regulators wish to avoid a credit crunch-weaker Banks may simply have stopped lending rather than raised capital to meet the new guidelines.

如果监管者希望避免一场信贷危机，那么分阶段去实现这些目标是合理的。因为那些较弱小的银行为达到新标准，会索性暂停借贷而不是筹集资本。

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Households with nontraditional credit histories, irregular incomes, and related divergences from conventional underwriting guidelines.

无传统信用记录，固定收入，或与传统的保险规定不相符合的家庭。

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It also tightened its credit guidelines and stopped selling some types of adjustable-rate loans.

NPR: Bank of America Buys Countrywide

He believes that the central bank's new credit guidelines, which include a limit on property lending to one-fifth of outstanding loans, would bring stability in the long run.

CNN: K.L.'s Bargain Banks

In October, a group representing several different banking and credit union regulators released new guidelines on how to better protect customer identities.

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